2026 Welcome Home Program
Earn up to $20,000 in down payment assistance through this special program for first-time homebuyers in the state of Ohio.
2026 Welcome Home Program
Earn up to $20,000 in down payment assistance through this special program for first-time homebuyers in the state of Ohio.
The Federal Home Loan Bank of Cincinnati (FHLB Cincinnati) offers limited grant funds to income-eligible homebuyers to help with down payment and closing costs through the Welcome Home Program. It’s not a loan. It’s money used for your future front door, not your future debt.
PROGRAM DETAILS:
- Up to $20,000 grant per household
- Funds are available for reservation starting April 6, 2026 on a first come, first serve basis.
- Homebuyers must contribute at least $500 of their own funds
- First-time homebuyers must complete a homebuyer counseling program
- Any 1-4 unit property to be used as a primary residence is eligible
- Borrower must maintain ownership & reside in property as their primary residence for a period of 5 years
- MRB (Mortgage Revenue Bond) Income Limits apply
- Subject to credit approval; certain restrictions apply
Fill out the form below to get in touch with a local mortgage expert or click Apply Now to start your application online.
Apply Now!Get Started Today
Complete the form below and a member of our lending team will help you get prepared.
Get Started Today
Complete the form below and a member of our lending team will help you get prepared.
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Veteran's Path to Homeownership
Zachary Giguere joined the Marine Corps immediately after graduating high school, and spent four years in the infantry, traveling around the world to countries including Bahrain and Jordan, before returning to the United States. He moved in with his parents upon his return but was eager for a place of his own. A local veteran from Miami County, Mr. Giguere achieved the dream of homeownership with the help of a $25,000 down payment assistance from the Welcome Home Grant.
Read More About Zachary
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Everything you need to know before you buy your first home.
Veteran's Path to Homeownership
Zachary Giguere joined the Marine Corps immediately after graduating high school, and spent four years in the infantry, traveling around the world to countries including Bahrain and Jordan, before returning to the United States. He moved in with his parents upon his return but was eager for a place of his own. A local veteran from Miami County, Mr. Giguere achieved the dream of homeownership with the help of a $25,000 down payment assistance from the Welcome Home Grant.
From the Welcome Home Program, sponsored by Minster Bank and the Federal Home Loan Bank of Cincinnati. Limited time offer. Some restrictions apply. Beginning April 6, 2026. Borrower is required to reside in home for 5 years.
Checking account is required to be open prior to loan closing to receive this offer. Minimum opening balance of $100 required. Must maintain a minimum balance of $100 prior to closing. No minimum balance required for Free Checking. $500 off Closing Costs offer is valid for applications submitted for Conventional first lien purchase money transactions. The $500 off Closing Casts will be applied at the time of loan closing as a Lender Credit. Loan applications must be submitted by April 30, 2026. Loan must close within 120 days of application date. All loans and lines of credit are subject to credit approval and compliance with underwriting standards.
